County - City Credit Union

County - City Credit Union is headquartered in JEFFERSON and is the 102^nd largest credit union in the state of Wisconsin. It is also the 3,359^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 11 employees and 3,213 members. County - City Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics COUNTY - CITY NCUA # 66456 BankRate Report View Year Chartered 1963 Employees 11 Primary Regulator Assets and Liabilities Assets $22.70 million Loans $14.99 million Deposits $20.60 million Equity Capital $1.97 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $1,000 Real Estate Owned $68,000 Historic Data - December 2010 Assets $21.53 million Equity Capital $2.00 million Loan Loss Allowance $47,000 Unbacked Noncurrent Loans $22,000 Profit Margin - Quarterly Net Interest Margin 5.79% Return on Assets -0.17% Return on Equity -1.93% Interest Income $1.04 million Non-Interest Income $218,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 County - City Credit Union had $69,000 in non-current loans and owned real-estate with $2.02 million in equity and loan loss allowances on hand to cover it. This gives County - City Credit Union a Texas Ratio of 3.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for County - City Credit Union held steady from 1.07% as of December 31, 2010 to 3.41% as of December 31, 2011, resulting in a negative change of 217.98%. This indicates that the balance sheet and financial strength for County - City Credit Union has held steady in recent periods. Deposit Growth In the past year, County - City Credit Union has increased its total deposits by $1.18 million, resulting in 6.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth County - City Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. County - City Credit Union has $22.7 million in assets with $2.02 million in equity, resulting in a capitalization level of 8.91%, which is average.

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